Bybit Card vs Crypto.com Visa Card
How does Bybit Card compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Bybit Card · provisional, see how we rate
Quick answer. Bybit Card and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: network (Bybit Card: Mastercard/Visa vs Crypto.com Visa Card: Visa); annual fee (Bybit Card: Virtual: free; Physical: 5–29.99 USD/yr (varies by region) vs Crypto.com Visa Card: Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake). Our provisional scoring rates Bybit Card higher (8.1/10 vs 7.3/10), but the best pick depends on your country and how you spend.
| Feature | Bybit Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 8.1/10 | 7.3/10 |
| Type | — | Prepaid |
| Networks | Mastercard/Visa | Visa |
| Rewards | 2%–10% cashback on everyday spending; 100% cashback on select subscriptions | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% |
| Annual fee | Virtual: free; Physical: 5–29.99 USD/yr (varies by region) | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake |
| FX fee | 0.5%–7% depending on region (on top of Mastercard/Visa FX rate); e.g. EEA 0.5%, Peru 1%, Brazil 1.5%, AU/MX/APAC/GE/KZ 2%, Argentina 7% | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | 2% on amounts above the monthly free withdrawal allowance | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | USDT (multiple cryptos selectable) | Rewards paid in CRO |
| Availability | EEA, Switzerland, UK, Australia, Brazil, Argentina, Mexico, Peru, Kazakhstan (AIFC), APAC — availability and terms vary by region | — |
| Apple / Google Pay | Yes | — |
Choose Bybit Card if…
- You want a free virtual card option, as the Bybit Card offers a no-annual-fee virtual card.
- You are looking for higher cashback on everyday spending, with the potential to earn up to 10% cashback, depending on your region and spending category.
- You prefer not to lock up funds or stake a significant amount of cryptocurrency to earn rewards, as the Bybit Card does not require staking.
- You use Apple Pay or Google Pay, as the Bybit Card supports these mobile payment platforms.
- You are based in a region with a lower foreign exchange (FX) fee, such as the EEA (0.5%), as FX fees vary by region and can be as high as 7%.
Choose Crypto.com Visa Card if…
- You are willing to stake CRO tokens to unlock higher rewards tiers, as the Crypto.com card offers up to 4.5% cashback in CRO on spending for those who stake significant amounts.
- You want a card with no foreign transaction fees, as the Rose Gold, Icy White, and Obsidian tiers offer this benefit.
- You are comfortable with a tiered rewards system that caps cashback at certain spending thresholds, such as $750 per month for the Ruby Steel tier.
- You prefer a card with a higher free ATM withdrawal limit, ranging from $200 to $1,000 per month depending on the tier.
- You are interested in the Midnight Blue tier, which is free to obtain and does not require a CRO stake, though it offers no cashback.
Bottom line
When deciding between the Bybit Card and the Crypto.com Visa Card, consider your spending habits, willingness to stake cryptocurrency, and the importance of foreign transaction fees. The Bybit Card is a strong choice for those who want a straightforward cashback option without the need for staking and who prioritize a free virtual card. On the other hand, the Crypto.com Visa Card is ideal for users who are heavily invested in CRO and are willing to stake tokens to unlock higher rewards and benefits, such as no foreign transaction fees. Ultimately, the best choice depends on your specific financial situation and preferences. For more detailed comparisons, visit our ratings page.